Compare Medicare Advantage (Part C) Plans

Find and Compare Medicare Advantage Plans from UnitedHealthcare

Do you want the simplicity of one plan to meet your health care needs? A Medicare Advantage (Part C) plan may be the answer.

Medicare Advantage plans combine Medicare Part A (hospital stays) and Part B (doctor visits)—also known as Original Medicare—in a single plan. Most plans include prescription drug (Part D) coverage. Many plans offer additional benefits and features like routine vision, hearing, dental and fitness coverage not provided by Original Medicare.


With UnitedHealthcare® Medicare Advantage plans you get more care for less, more of the extras you need, and more peace-of-mind.1 Want more for your Medicare dollar? You'll get it from America's largest Medicare Advantage plan provider.2

Compare Medicare Advantage plan types

Depending on where you live and your personal situation, UnitedHealthcare may offer several types of Medicare Advantage plans to choose from. In addition to plans varying by the benefits they offer, there are also differences in cost and provider networks. Not all plans are available in all areas.  

UnitedHealthcare HMO and PPO plans – Access to the UnitedHealthcare® Medicare National Network

United Healthcare HMO plans give you access to a local network of doctors and hospitals, including a primary care provider (PCP) to help coordinate your unique health care needs. You'll need to get care from doctors and providers in the network and you select a PCP to help coordinate your care. If you use a provider that isn't in the national network, you may have to pay for the service yourself.Many plans include UnitedHealthcare Passport®, which gives you the network costs and benefits of your plan when you travel. Many HMO plans have a low or $0 monthly premium.

HMO-POS (Point of Service) plans give you access to a local network of doctors and hospitals, including a PCP to coordinate your care. Plus, you can see out-of-network doctors and providers for certain covered services.


Many United Healthcare HMO plans also give you access to care across the country at network costs using the UnitedHealthcare® Medicare National Network, the nation’s largest network of top doctors and specialists.2


1Emergency care, urgent care, and out-of-area dialysis services are covered where you need them.

2 Networks vary by market.

UnitedHealthcare PPO plans give you freedom to see any doctor nationwide that accepts Medicare, without referrals for specialist or hospital visits. Many plans also provide access to in-network costs when you see doctors participating in the UnitedHealthcare Medicare National Network. Many PPO plans have a low or $0 monthly premium.


*Networks vary by market and exclusions may apply. You can see any doctor who accepts Medicare but costs may be lower with a network doctor.

UnitedHealthcare PFFS plans – Freedom of Choice

A PFFS plan doesn't have a network. It gives you the freedom to see any Medicare-approved doctor that accepts the plan's terms. If a PFFS plan doesn't include prescription drug coverage, you can purchase a separate, standalone prescription drug plan.

UnitedHealthcare Special Needs Plans – Plans for Unique Needs

A Special Needs Plan (SNP) is a type of Medicare Advantage plan. SNPs have a provider network and serve people that qualify with special health care and financial needs. All SNPs include prescription drug (Part D) coverage.

Plan Features

Has a contracted network of doctors and hospitals





Must choose primary care provider from plan network





Must use doctors and providers within the plan network for covered services

HMO - Yes


HMO-POS – No, but costs more out-of-network

No, but costs more out-of-network 



Referral required to see a specialist

Varies by plan




May include drug coverage




All include drug coverage

Choosing a Medicare Advantage plan that fits your budget

Generally, Medicare Advantage (Part C) plans have a low or $0 monthly plan premium and offer more coverage than Original Medicare alone.


Unlike Original Medicare, Medicare Advantage plans limit the amount you pay out-of-pocket each year. Once you reach that limit, called the out-of-pocket maximum, the plan pay’s 100% of costs for the rest of the year.

When comparing Medicare Advantage plans, these questions can help you decide which plan fits your budget: 

  • How much is the monthly premium?
  • How much is the annual deductible?
  • How much are the copays and coinsurance?

Choosing a Medicare Advantage plan with the right benefits

All Medicare Advantage plans include at least the same coverage as Original Medicare Part A and Part B, but that’s where the similarity ends.


All plans also have added benefits and features Original Medicare doesn’t have – but may be very different in exactly what they offer. Think about what extra coverage is important to you when comparing different Medicare Advantage plans.

Ask yourself the following questions:

  • Does the plan offer prescription drug (Part D) coverage?
  • Does the plan cover eye exams or glasses and contact lenses?
  • Does the plan have dental coverage?
  • Does the plan have health and wellness benefits, like a gym membership?

Medicare Advantage plans and prescription drug coverage

A Medicare Advantage plan that includes prescription drug coverage is ideal if you don’t want a separate Part D plan. Plus, your premium is often lower for a Medicare Advantage plan that includes prescription drugs, than a Part D plan alone.


If you’re considering a Medicare Advantage plan with prescription drug coverage, keep these questions in mind when comparing:

  • Does the plan’s Drug List (formulary) cover your current medications?
  • How much will your drugs cost on the different plans?
  • Will switching from a brand name drug to a generic drug save you money?
  • Is your local pharmacy included in the plan’s pharmacy network?
  • Are you willing to use a mail order pharmacy to lower costs?

UnitedHealthcare Medicare Advantage information and tools

To make it easier to find the plan you need, UnitedHealthcare provides information and tools to help you be informed before you choose.

UnitedHealthcare Medicare Advantage plans

Find out more about the benefits of Medicare Advantage plans from UnitedHealthcare.

Learn more

Dual Special Needs Plans

Find out more about the benefits of Dual Special Needs Plans (D-SNPs) for people who have both Medicare and Medicaid.

Get information

Get Help Choosing


Answer a few basic questions to get plan recommendations.

Find a Plan

Call Us

Call UnitedHealthcare at FED TFN, TTY 711 (toll-free)


Hours: 8 a.m. – 8 p.m.

7 days a week

Call UnitedHealthcare at MEDSUPP TFN, TTY 711 (toll-free)



7 a.m. to 11 p.m. ET,

Monday – Friday

9 a.m. to 5 p.m. ET, Saturday

Meet with Us

Make an appointment with a licensed insurance agent/producer in your area

1The statements "more care and more savings" and "more plans, more ways to save and more way to get care from home" are based on year over year comparison of UnitedHealthcare plans.

2Medicare Advantage largest provider network based on UnitedHealthcare's national provider network report, May 2022.